Name, DESIGNATIONTitle, Company NameDate

Protection for all life’s stages

Know your risks

Determine your risk level for: critical illness

disability

premature death

Conversation with Canadians

We asked … 1,000 Canadian homeowners

30 – 50 years of age

Household income $50K - $150K

They said … 70% told us they were concerned about the financial impact of

being unable to work because of illness or injury

60% were concerned about providing for their family if they were to die unexpectedly

Research was conducted online by Research House from March 7-15, 2011

We discovered …

Only 8% of consumers surveyed own all three risk protection products

Only 8% of consumers surveyed own all three risk protection products

Why not?

Maybe they haven’t been asked!

Historically

Three separate policies to apply for Life

Disability

Critical Illness

Three underwriting assessments

Three bills to pay

What are your priorities?

If you suffer from a disability or critical illness, what would you want to be able to do? Continue to make your monthly mortgage payments

Have the funds to allow your partner to take a leave of absence from work if you are recovering from a critical illness

Have extra money in case there are unexpected medical expenses, such as travel and accommodation costs

Receive a monthly income benefit in addition to your group long-term disability coverage

What are your priorities?

What if you die prematurely? What would your family want to be able to do … Pay off the mortgage

Pay off other debts

Create an emergency fund

Provide for final expenses

Establish a child care fund

Establish an education fund

Provide an amount of money to meet income shortage

An innovative new product

Synergy integrates life, critical illness and disability insurance

within a single product package

Synergy integrates life, critical illness and disability insurance

within a single product package

Life Insurance Policy

Disability Insurance Policy

Critical Illness

Insurance Policy

Synergy amount of insurance

Group insurance plan

Additional income

replacement needs

Typically life, long-term disability and sometimescritical illness insurance

Provides term life, disability and critical illness insurance in one easy to manage,

affordable package

A key level of coverage provided by most employers offering protection while employed

The Synergy amount of insurance provides protection from liabilities and obligations that would put you and your

family at risk if you were unable to work, suffered a critical illness or had an

unexpected death before age 65

Additional life insurance needed to provide income replacement in the

event of an unexpected death

Synergy is a key component of the risk management foundation

Pool of money – how it works

Purchase a Synergy amount of insurance between $100,000 and $500,000 creates a pool of money called your

available amount of insurance

Whenever a benefit is paid, your available amount of insurance reduces by that amount

Protection until available amount of insurance is reduced to zero or until age 65*

* The Synergy solution expires on the Synergy anniversary nearest the insured’s 65th birthday

Access to funds in three different ways

Disability Insurance Policy

Critical Illness Insurance Policy

Life Insurance Policy

The monthly disability benefit amount is the lesser of:

1.0.5% of the Synergy amount of insurance, and2.the available amount of insurance

The critical illness covered condition benefit amount is the lesser of:

1. 25% of the Synergy amount of insurance, and2.the available amount of insurance 

The death benefit is 100% of the available amount of

insurance

Coverage and cost – male example

Age $100,000 coverage

$250,000 coverage

$500,000 coverage

35 $32.49 $63.12 $110.83

40 $39.66 $79.16 $139.16

45 $62.66 $126.66 $221.66

Monthly premium for male, non-smoker, 10-year renewable to 65

Coverage and cost – female example

Age $100,000 coverage

$250,000 coverage

$500,000 coverage

35 $41.66 $88.33 $159.58

40 $55.08 $117.08 $211.66

45 $66.66 $141.66 $256.24

Monthly premium for female, non-smoker, 10-year renewable to 65

A Synergy claims example – Lisa

Purchases $300,000 of Synergy

Covered condition benefit 25% of $300,000 = $75,000

Available amount of insurance becomes $225,000 ($300,000 – $75,000)

Death benefit = $225,000

Second Claim

Disability claim before age 65 eligible to receive monthly benefit of 0.5% of $300,000 = $1,500

Monthly benefits = $12,000

Available amount of insurance becomes $213,000 ($225,000 - $12,000)

Death benefit = $213,000

A Synergy claims example – Jason

Purchases $250,000 of Synergy

Injured after eight years claims a monthly benefit on his disability insurance policy

receives monthly benefit of 0.5% of $250,000 = $1,250

receives a total of $22,500 during disability time off work

Available amount of insurance is now $227,500

When Synergy expires Jason is able to convert this remaining amount, without medical underwriting*

*This option is not available if you have received a critical illness covered condition benefit.

Other Synergy features

Optional Riders Term Insurance

— 10 year renewable to age 65

Child Protection — Child Protection rider - Life

— Child Protection rider - CI

Access to Health Service Navigator Information about the Canadian health care system

Second opinion service

Available immediately – no need to make a claim

Protection into the future

The Synergy solution expires at age 65

Offers the option to purchase a Manulife permanent life insurance product if an available amount of insurance remains – with no medical underwriting required

This option is not available if you have received a critical illness covered condition benefit

Next Steps

Thank you